Refinancing isn't always about getting a lower rate.

It's about getting the loan that fits what you're trying to accomplish. Auto Wise reviews vehicle value, loan structure, protections, equity and your objective together.

Free Auto Wise Check

Get your opportunity score in minutes.

Identify the vehicle by VIN for free. Current market valuation, detailed scenarios and the professional report unlock with the $29 Full Auto Wise Analysis. Expert document review starts at $99.

Current Loan

Refinance Opportunity

17-Character VINZIP Code

$29 Full Analysis

🔒 Estimated Retail Market ValueVIN + mileage + ZIP market pricing.

$29 Full Analysis

🔒 Estimated Trade RangeIllustrative market-based range, not a guaranteed dealer bid.

$29 Full Analysis

🔒 Comparable VehiclesSample comparable market listings when provider data is available.

$29 Full Analysis

🔒 Market-Based LTV / EquityCompare the loan/deal position with market valuation.

Current Loan Balance ($)Your Estimated Vehicle Value ($)

Vehicle Model YearVehicle Mileage

Your manual value is used for the Free Check only. Any paid market value is separately labeled as an estimate and never presented as an appraisal or guaranteed dealer offer.

Documents — Available from Free

Upload Now. Expert Review Later.

Choose Loan / Deal DocumentsRetail contract, payoff, buyer's order, lease, GAP, VSC and supporting documents.

Expert Document Review 🔒 Free and $29 customers may securely attach documents to their account, but Auto Wise does not extract, interpret, summarize or expert-review them until Expert Review ($99) or Concierge ($249).

Borrower & Vehicle

Finance Profile

Current APR (%)Current Monthly Payment ($)

Exact Months RemainingEnter the exact number of monthly payments remaining, for example 52.Credit Tier & Estimated APR RangeCurrent base tier range: 5.99%–7.99%. Full Analysis then evaluates LTV, vehicle age/mileage, term and amount financed.

GAP Coverage?Service Contract / VSC?Other Ancillary Products?

Auto Wise looks beyond rate. The free check reviews the basic structure and identifies whether a deeper financial analysis may be worthwhile.